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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $169,156 | $148,623+13.8% | $135,974+24.4% | $139,466+21.3% |
| Participation rate | 81.8% | 83.9%-2.0pp | 81.9%-0.1pp | 80.3%+1.5pp |
| Annual return | 18.04% | 79.30%-61.3pp | 68.30%-50.3pp | 373.66%-355.6pp |
| Employer contribution / active EE | $9,872 | $5,246+88.2% | $4,859+103.2% | $4,754+107.7% |
| Participant deferral / active EE | $6,824 | $8,103-15.8% | $7,760-12.1% | $6,712+1.7% |
| Admin fee / account holder | $825 | $12,406-93.3% | $10,767-92.3% | $11,409-92.8% |